Business Checking

When it comes to choosing the right business checking account, one size does not fit all. Harbor Community Bank offers a wide variety of products to suit your needs. Our knowledgeable bankers can help you choose the right account. Open a business checking account at Harbor and take advantage of these select features and services:

  • Direct Deposit
  • Online Banking
  • Online Bill Pay
  • E-Statements
  • 24-Hour Telephone Banking
  • MasterCard® Business Debit Cards
  • Night-Drop
  • Notary Services
  • Lockbox Services
  • Merchant Services
  • CardValet®
  • Remote Deposit Capture

Stop by your local branch today!

ACCOUNT OPTIONS

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Hometown Small Business Checking

Ideal for newly launched companies with low monthly balances or those with limited transactions, Hometown Small Business Checking has no minimum monthly balance requirement or monthly maintenance fee. Per item charges apply to items that exceed monthly limit.

Hometown Economy Checking

Ideal for growing companies that have matured beyond small business checking needs, Hometown Economy Checking has no minimum monthly balance requirement and a low monthly maintenance fee. Per item charges apply to items that exceed monthly limit.

Hometown Small Business Plus Checking

Ideal for established companies with moderate transaction volume and account balances, Hometown Small Business Plus Checking lets companies avoid the monthly maintenance fee as long as minimum daily balances are met. Per item charges apply to items that exceed monthly limit.

Hometown Business Checking

Ideal for established companies with heavy transaction volume, Hometown Business Checking has no monthly balance requirement and a low monthly maintenance fee. Contact your local Harbor Community Bank customer service representative to learn more about the Hometown Business Checking earnings credit, which may help offset per item charges and the monthly maintenance fee.

Hometown Business Interest Checking

Ideal for qualified businesses with limited transactions that are able to meet minimum balance requirements, Hometown Business Interest Checking works for you by earning interest along the way. Per item charges apply to items that exceed monthly limit.

Specialty Account Options

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Harbor Education Now Checking

Offered to all public or private schools, Harbor Education Now Checking has no fees, no balance requirements, and pays interest in support of a better education for all.

Hometown Non-Profit Checking

Offered to non-profit organizations, Hometown Non-Profit Checking earns interest with no fees in honor of the philanthropic work of our friends and neighbors.

Hometown IOTA (Interest on Trust Accounts)

Available to attorneys and law firms to maintain short-term funds held in trust, Hometown IOTA (Interest on Trust Accounts) earns interest. This interest is then submitted to the Florida Bar Association to help fund legal aid for people in need.

Hometown Condo-HOA Interest Checking

Available in select markets, Hometown Condo-HOA Interest Checking is an interest-bearing checking account designed specifically for condominium and homeowner associations.

Online Banking

Business Online gives you 24/7 access to your business account from anywhere with an Internet connection so that you can focus more on growing your bottom line rather than worrying about your finances. With Business Online you can:

  • Pay bills
  • Initiate stop payments
  • Review pending payments
  • Check account balances
  • Review recent account activity
  • Reconcile Accounts
  • Initiate wire transfers, both foreign and domestic
  • Transfer money between accounts
  • Export data as CSV file or to QuickBooks™
  • Directly deposit funds into employee payroll and vendor accounts with ACH Origination
  • Utilize Remote Deposit Capture

Need to Sign Up?

Stop by your local branch and speak with a customer service representative today!

KEY FEATURES

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Online Bill Pay

With Harbor’s online bill pay feature, you can receive and review eBills, schedule one-time or recurring payments, initiate stop payments, and review pending payments and payment history with ease.

eBills

Help ensure your bills are paid on time.Simply sign up to receive electronic bills from participating companies within your online banking account.

eStatements

Access your statements online to help reduce waste and protect the environment.

E-mail and Mobile Alerts1

Set e-mail or mobile alerts to notify you when an eBill is due, when you have received your direct deposit, or to alert you of specified activity on your accounts.

1. Wireless carrier text message and data rates may apply.

Popmoney® 1

Popmoney allows you to send and receive money to and from friends and family or even businesses with a simple e-mail address or mobile number. It is quick, easy, and secure and eliminates the hassle of writing checks or going to the bank to withdraw cash.

1. Nominal fees and deposit transfer limits apply. Transactions may take up to three business days.

Remote Deposit Capture

Are you looking for a way to streamline your account receivables and improve cash flow? Forget about that extra trip to the bank or hiring a courier service. With Remote Deposit Capture, you can quickly and securely scan and deposit checks directly into your business account, no deposit slips required. All you need is a PC with a compatible version of Windows®, a high-speed internet connection, and a supported desktop check scanner and software.

TransferNow®

Move money quickly and securely between your accounts.

 

Cash Management for Businesses

Business Cash Management includes a wide selection of online banking tools to help you effectively manage your company and your bottom line. Harbor Community Bank’s suite of cash management services will allow you to provide access to multiple users with distinct duties and levels of responsibility, export reports as CSV files or into popular accounting software like QuickBooks®, conduct payroll deposits, issue vendor disbursements, and more.

  • Business Online
  • Remote Deposit Capture
  • ACH Origination
  • Wire Transfers
  • Positive Pay
  • FAXTellerPLUS™
  • Account Reconciliation

Contact your local branch to sign up!

FIND A LOCAL BRANCH

Key Features

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Business Online

Access your business account 24/7 from anywhere with an Internet connection. With Business Online, you can pay bills, initiate stop payments, review pending payments and recent account activity, check account balances and more.

Remote Deposit Capture

Are you looking for a way to streamline your account receivables and improve cash flow? Forget about that extra trip to the bank or hiring a courier service. With Remote Deposit Capture, you can quickly and securely scan and deposit checks directly into your business account, no deposit slips required. All you need is a PC with a compatible version of Windows®, a high-speed internet connection, and a supported desktop check scanner and software.

ACH Origination

Automated Clearing House (ACH) transactions are electronic debits and credits used to efficiently disburse employee payroll via direct deposit or electronically collect receivables via direct payment from nearly any bank account in the United States. Harbor Community Bank can provide you with a secure, web-based application that allows you to create and/or upload your ACH files directly to us for processing. Credit screening required for approval.

Wire Transfers

Wire Transfer services offer a convenient, secure electronic payment solution for both foreign and domestic payments. You may request wires by fax or at any Harbor Community Bank branch. With our secure token access, you may also use the wire transfer module within Business Online to wire funds. Wires offer businesses same day processing with minimal risk.

Positive Pay

As an automated fraud detection tool, Positive Pay allows you to compare images of checks you have written to those presented for payment that the bank has flagged for review. Positive Pay’s nightly account reconcilement process automatically alerts your business by e-mail to help you quickly analyze potentially fraudulent checks. Positive Pay also offers a robust browser interface that eliminates the need for you to install software on your PC. This allows you to review images of checks in question, analyze reconcilement reports, and submit electronic issued check files all via the web in a secure paperless environment.

Fax Teller Plus

Ideal for businesses that deposit 200 checks or less each month, FAXTellerPLUS™ is the perfect way for businesses to participate in Remote Deposit Capture without using a PC, software, or check scanner. All you need is a fax machine. Simply place the check in a coded carrier and fax it to the designated number. Your check will then be converted to an image and deposited electronically to your Harbor account.

Account Reconciliation

Harbor offers several account reconciliation tools to help you manage high volume transaction activity. These tools improve accounting and reconciliation accuracy and allow you to separate accounting and reconciling functions for better audit control. They also help improve staff efficiency to save you time and money. Harbor’s account reconciliation tools let you review deposit activity by location, by all transactions, or by paid checks only. Simply customize each report to suit your needs.

ACH Block-Filter

This extension of traditional check positive pay focuses on transactions that come through the ACH system. Every ACH transaction presented for payment is scrutinized against the business account’s ACH rules to determine whether a transaction warrants further review. Set up e-mail alerts to reveal unauthorized or unusual ACH activity or include them in the positive pay exception list for required approval.

Enhanced Security Features

Harbor Community Bank is proud to deliver a higher level of security for our Business Online Banking customers with the use of IP restrictions, time restrictions, transaction limits, dual control, and secure tokens.

Merchant Services

Harbor Community Bank has partnered with Vantiv to help your business succeed by making payment processing more secure, efficient, and profitable. From the largest retailers in the U.S., to the coffee shop down the street, Vantiv is leading the transformation in payments, including chip-enabled cards, mobile wallets, eCommerce, and other payment technology solutions to businesses of all sizes. We will assess your needs and work with you to customize a solution that is right for your business. With Vantiv, you can securely accept the most common payment types and card brands while enjoying reliable uptime and real-time transaction viewing, all backed by superior customer support. Get the peace of mind you need so you can focus on your business.

  • EMV/Chip Card Processing
  • Credit and Debit Card Acceptance
  • Mobile Payment Acceptance
  • Electronic Check Services
  • Gift Cards
  • Award-Winning Customer Support, 24/7/365
  • Data Security Programs
  • eCommerce Solutions
  • Online Reporting
  • Recurring Payments
  • Electronic Benefit Transfer
  • High-Quality Processing Equipment

Stop by your local Harbor Community Bank and speak with a customer service representative to sign up. Click on the LEARN MORE button to discover how Vantiv can help protect your business and your customers against fraud.

 

Fraud Protection

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Vantiv helps you protect your business and your customers from credit card fraud and security breaches with OmniShield Assure—a sophisticated point-to-point encryption process that not only safely transmits card data but also helps prevent acceptance of counterfeit or fraudulent cards.

Harbor at Work

Enhance your employee benefits package with Harbor at Work, a perk-filled program that allows your employees to take advantage of your relationship with Harbor Community Bank at no additional cost to you. By signing up, your employees will receive:

  • a Harbor at Work checking account with no minimum opening balance,
  • free checks on their first order,
  • monthly service charge waiver when they use their debit card at least four times per month,
  • discounted overdraft fee,
  • free Online Banking,
  • preferred pricing on certificates of deposits,
  • discounts on consumer loans and mortgages, and
  • free notary service.

 

Contact your local customer service representative to learn more about this cost-savings program today.

BANKING SERVICES

At Harbor we offer more than basic checking and savings account solutions.

Foreign Currency Exchange

  • Low exchange fee
  • $200 minimum exchange amount
  • Fast, convenient service (currency typically available within two business days)
  • Foreign currency available from over 80 popular countries

*Harbor Community Bank does not provide or buy back foreign coins. Currency exchange rates change daily. Please visit your local branch to learn more.

Notary Service

This complimentary service is available to current Harbor Community Bank customers.

Contact your local branch today.

Order Checks

  • Order in person
  • Contact Harland Clarke at 1-800-503-2345
  • Order online at www.ordermychecks.com*
  • Mail in your order form to Harland Clarke using the address provided on the form


*Note: Online option not available if your mailing address has changed.

Overdraft Protection

Protect your account with a secondary Harbor deposit account or a Harbor line of credit.

Contact your local branch today to learn more.

Safe Deposit Boxes

  • Choose a size to suit your needs
  • Protect your valuables against fire or theft
  • Boxes available at select branch locations

Contact your local branch for sizes and availability.

Wires

Receive or transfer money quickly and securely using your account. We offer wire transfer services for our customers to destinations both foreign and domestic.

For outgoing wires, please visit any of our branch locations.

DOWNLOAD WIRE INSTRUCTION